Charlotte Miller

Why Comparing Pre-Existing Conditions Coverage for Senior Health Insurance is Important

As you age, your healthcare needs tend to change. Moreover, the change in lifestyle and ageing can increase the chance of developing chronic diseases. Thus, to meet these changes, it is important to review your best family health insurance based on your pre-existing conditions regularly.  Comprehending the intricate coverage details for pre-existing conditions can feel overwhelming for seniors opting for individual healthcare insurance plans.

Yet, understanding precisely what each plan offers is paramount. The key question is, though, where to begin. That is where this article comes in. This article will discuss why comparing pre-existing coverage for the best health insurance for senior citizens is important. But before that, let’s first understand what pre-existing diseases are.

What are Pre-Exisitng Diseases?

Pre-existing illnesses, or PEDs, are medical conditions that you possess at the time of purchasing a health plan. These conditions could be chronic or long-term and include illnesses like diabetes, cancer, asthma, depression, and more.

Depending on the insurance provider, healthcare insurance policies typically have a “waiting period” before they start covering these conditions, ranging from one to four years.

What are the Pre-Existing Diseases Covered Under the Senior Citizen Healthcare Insurance?

Below is a table listing some common pre-existing conditions covered under the best health insurance for senior citizens:

  • Mental Health Conditions

  • Diabetes

  • Hypertension

  • Asthma

  • Heart Diseases

  • Thyroid Disorders

  • Arthritis

  • Cancer

  • Kidney Diseases

Why is it Important to Compare Pre-Existing Coverage for Senior Citizen Healthcare Insurance?

To get the best health insurance for senior citizens, it is still important to compare the pre-existing coverage for the following reasons:

1. Considering Provider Networks

Insurance plans may have different networks of healthcare providers, including specialists who treat pre-existing conditions. By comparing provider networks, you can ensure that your preferred doctors and specialists are included in the plan’s network, facilitating convenient access to quality healthcare services.

2. Understanding the Waiting Period

The waiting period is the time you must wait before your insurance coverage kicks in for pre-existing conditions. This period varies among insurance companies and policies. Some might have a waiting period of 2 years, while others require 4 years. It’s important to compare these periods as a shorter waiting period means you can avail of benefits sooner when choosing the health insurance plans for family.

3. Coverage of Specific Diseases

Not all insurance policies cover all diseases. Some might exclude chronic or specific diseases from their coverage. When comparing policies, it’s crucial to ensure that the insurance covers a large number of pre-existing conditions. This ensures that you do not have to bear the heavy medical expenses associated with these conditions

4. Policy Premiums

The best family health insurance covering pre-existing diseases often has higher premiums. While comprehensive coverage is essential, it’s also necessary to consider the policy’s affordability. You must compare different policies to find the best balance between cost and coverage.

How can Pre-Exisitng Diseases Impact Your Senior Citizen Healthcare Insurance?

Pre-existing diseases can significantly impact senior citizen healthcare insurance. Some of the ways are:

1. Premium Amounts

Insurance companies calculate premiums based on the risk they undertake. If you have a pre-existing condition, the insurer may consider your situation as a risky one, which could result in higher premium amounts for the health insurance plans for family. This is because the likelihood of you needing medical care related to your pre-existing condition is higher than someone without such a condition.

2. Coverage Denials

In some cases, seniors with pre-existing conditions may face outright denial of coverage from insurance providers, especially if their conditions are deemed too high-risk or costly to cover.

3. Coverage Limitations

In some cases, insurance companies may limit coverage for pre-existing conditions. This could mean that the insurer will only cover a certain amount of the costs related to treating the pre-existing condition. Anything beyond this limit will have to be paid out of pocket.

4. Renewability and Continuity

Pre-existing conditions can affect the renewability of insurance policies. In some cases, insurers may refuse coverage or offer renewal at significantly higher premiums. As they age, senior citizens have limited options for continued healthcare coverage.

What are the Things You Should Know About Pre-Existing Disease Coverage?

Understanding pre-existing disease coverage is crucial when selecting the best family health insurance. Some key aspects to consider:

1.  Waiting Periods

Many healthcare insurance policies impose waiting periods for coverage of pre-existing conditions. During this time, you may be unable to claim expenses related to your pre-existing conditions. Waiting periods vary between insurers but typically range from a few months to a year.

2. Exclusions and Limitations

Insurers may exclude coverage for certain pre-existing conditions or limit coverage for a specified period. It’s essential to thoroughly review your policy to understand which conditions are excluded or limited.

3. Disclosure Requirements

When applying for health insurance plans for family, you need to disclose any pre-existing conditions. You must disclose this information accurately to avoid denial of claims or even cancellation of your policy. Be honest and provide complete information during the application process to ensure you have continuous coverage.


Comparing pre-existing conditions coverage is important to get the best health insurance for senior citizens as it ensures you receive the best care. By evaluating different insurance plans, seniors can find coverage that adequately addresses their pre-existing conditions, ensuring they receive the necessary medical attention without incurring excessive out-of-pocket expenses.

Niva Bupa Health Insurance knows that complete coverage is very important, especially for older people with pre-existing diseases. Thus, they offer a wide range of services, including specialised consultations, diagnostic tests, and medication coverage. So, get your best family health insurance with them today.